{
  "brand": "Bankwest",
  "brand_label": "Bankwest",
  "brand_slug": "bankwest",
  "legal_entity_abn": "48123123124",
  "public_base_uri": "https://open-api.bankwest.com.au/bwpublic",
  "logo_uri": "https://www.bankwest.com.au/content/dam/bankwest/system/logos/bankwest-logo-padding.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T11:37:24Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"ongoing","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":4,"product_label":"Easy Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":6.25,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":4,"product_label":"Easy Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":4,"product_label":"Easy Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "You don't have an existing Easy Saver Account already.",
        "You need an Easy Transaction Account (you can open one at the same time).",
        "You're the only account holder (no joint account holders).",
        "no intro rate if you held an Easy Saver whose intro rate expired in the last 2 years"
      ]
    },
    "unranked": {
      "products": 2,
      "transaction_account": 1,
      "offset_account": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "d10438974ab8417bab388149da5053bb",
      "product_name": "Bankwest Easy Saver",
      "product_label": "Easy Saver",
      "product_slug": "easy-saver",
      "page": "/au/finance/savings-accounts/accounts/bankwest/easy-saver/",
      "product_url": "https://www.bankwest.com.au/savings-accounts/high-interest",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankwest.com.au/savings-accounts/high-interest",
      "fees_url": "https://www.bankwest.com.au/savings-accounts/high-interest",
      "eligibility_url": "https://www.bankwest.com.au/savings-accounts/high-interest",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Easy Saver Account is our flexible savings account that lets you earn credit interest on a tiered basis on all balances in the account with no minimum monthly deposit (you can also move your money in and out of your account without affecting your interest rate). Credit interest is calculated at…",
      "bonus_is_total": null,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 4,
      "intro_conditions": [
        "4 month variable introductory rate"
      ],
      "bonus_conditions": [],
      "extra_bonuses": [
        {
          "rate_pct": 0.1,
          "balance_from": 0,
          "balance_to": 250000.99,
          "conditions": [
            "Bonus rates available from time to time for selected customers, bonus rates applied may vary. Terms and conditions may apply. Bonus rates available from time t…"
          ]
        },
        {
          "rate_pct": 0.2,
          "balance_from": 250001,
          "balance_to": 1000000.99,
          "conditions": [
            "Bonus rates available from time to time for selected customers, bonus rates applied may vary. Terms and conditions may apply. Bonus rates available from time t…"
          ]
        },
        {
          "rate_pct": 0.2,
          "balance_from": 1000001,
          "balance_to": 5000000.99,
          "conditions": [
            "Bonus rates available from time to time for selected customers, bonus rates applied may vary. Terms and conditions may apply. Bonus rates available from time t…"
          ]
        },
        {
          "rate_pct": 0.2,
          "balance_from": 5000001,
          "balance_to": null,
          "conditions": [
            "Bonus rates available from time to time for selected customers, bonus rates applied may vary. Terms and conditions may apply. Bonus rates available from time t…"
          ]
        }
      ],
      "max_bonus_balance": null,
      "min_balance": 0,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "intro_pct": 6.25,
          "base_pct": 5.5
        },
        "50000": {
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          "intro_pct": 6.25,
          "base_pct": 5.5
        },
        "250000": {
          "ongoing_pct": 5.5,
          "intro_pct": 6.25,
          "base_pct": 5.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 16,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 15,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 12,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 4,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 4,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 1,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": false,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "You can bank over the phone.",
          "Create a goal, set up regular deposits and track your progress in the app.",
          "Transferring funds in and out can only be made by via your linked Bankwest Easy Transacti…"
        ]
      },
      "feature_tags": [
        "app",
        "notifications",
        "linked account required",
        "no joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "You don't have an existing Easy Saver Account already.",
        "You need an Easy Transaction Account (you can open one at the same time).",
        "You're the only account holder (no joint account holders).",
        "no intro rate if you held an Easy Saver whose intro rate expired in the last 2 years"
      ],
      "eligibility": [
        "You don't have an existing Easy Saver Account already.",
        "You need an Easy Transaction Account (you can open one at the same time).",
        "You're the only account holder (no joint account holders).",
        "residency: Customer must have a residential address in Australia (limited exceptions may apply subject to conditions): Australian citizen or Australian permanent resident"
      ],
      "record_stale": false,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/d10438974ab8417bab388149da5053bb",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwest/d10438974ab8417bab388149da5053bb.json",
      "snapshot_at": "2026-11-13T01:41:10Z",
      "bank_last_updated": "2026-11-13T11:37:24.000Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.bankwest.com.au/savings-accounts/high-interest"
        ]
      }
    },
    {
      "product_id": "b7c55febbeab43e1b0969f28c617f780",
      "product_name": "Hero Saver",
      "product_label": "Hero Saver",
      "product_slug": "hero-saver",
      "page": "/au/finance/savings-accounts/accounts/bankwest/hero-saver/",
      "product_url": "https://www.bankwest.com.au/savings-accounts/bonus-interest",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankwest.com.au/savings-accounts/bonus-interest",
      "fees_url": "https://www.bankwest.com.au/savings-accounts/bonus-interest",
      "eligibility_url": "https://www.bankwest.com.au/savings-accounts/bonus-interest",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account that rewards you for growing your balance",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "other",
          "value": null,
          "text": "Bonus interest will be paid in respect of each day of a month of the year at Your Bonus Interest Rate on that day if the total amount of deposits (excluding interest) exceeds the total amount of withdrawals in that month."
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": 250000,
      "min_balance": 0,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "50000": {
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          "intro_pct": null,
          "base_pct": 0.1
        },
        "250000": {
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          "base_pct": 0.1
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": true,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "You can bank over the phone.",
          "Direct credits to the account are permitted.",
          "Create a goal, set up regular deposits and track your progress in the app.",
          "To receive bonus interest, make at least one deposit of any amount (excluding interest) o…",
          "No maximum monthly deposit limit."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications",
        "joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 14,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "Bonus interest will be paid in respect of each day of a month of the year at Your Bonus Interest Rate on that day if the total amount of deposits (excluding in…",
        "There is a limit of one account per person, whether as a single or joint account holder: 1",
        "A maximum of two account holders is permitted on the account. Additional eligibility criteria apply for joint accounts: 2",
        "the applicant cannot be a trustee of any trust"
      ],
      "eligibility": [
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        "A maximum of two account holders is permitted on the account. Additional eligibility criteria apply for joint accounts: 2",
        "residency: Customer must have a residential address in Australia (limited exceptions may apply subject to conditions): Australian citizen or Australian permanent resident"
      ],
      "record_stale": false,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b7c55febbeab43e1b0969f28c617f780",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwest/b7c55febbeab43e1b0969f28c617f780.json",
      "snapshot_at": "2026-11-13T01:41:10Z",
      "bank_last_updated": "2026-11-13T11:37:24.000Z",
      "ranked": true,
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      "row_count": 3,
      "terms_scan": {
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        "documents": [
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          "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20140522-125921.pdf"
        ]
      }
    },
    {
      "product_id": "b54379a0c72b4129887a85e7b629b3af",
      "product_name": "Retirement Advantage Account",
      "product_label": "Retirement Advantage Account",
      "product_slug": "retirement-advantage-account",
      "page": "/au/finance/savings-accounts/accounts/bankwest/retirement-advantage-account/",
      "product_url": "https://www.bankwest.com.au/bank-accounts/over55",
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      "min_balance_correction": null,
      "terms_url": "https://www.bankwest.com.au/bank-accounts/over55",
      "fees_url": "https://www.bankwest.com.au/bank-accounts/over55",
      "eligibility_url": "https://www.bankwest.com.au/bank-accounts/over55",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "An everyday bank account with no maintenance fees that rewards you with interest. For those aged 55 and over.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
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      "rates_at_reference_balances": {
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        "50000": {
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        },
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        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Platinum Debit Mastercard",
        "digital_wallets": [
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          "Google Pay",
          "Samsung Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": true,
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        "app": true,
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        "linked_account_required": false,
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        "joint": true,
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        "other": [
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          "Cheque Access will no longer be available for Retirement Advantage Accounts issued on or…",
          "Create a goal, set up regular deposits and track your progress in the app.",
          "Backed by Mastercard 24/7 Zero Liability Protection.",
          "You can set up ongoing payments for things like bills or loan repayments."
        ]
      },
      "feature_tags": [
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        "app",
        "Osko",
        "PayID",
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        "joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
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      "fees_without_amount": [
        "Cheque Stop Payment"
      ],
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      "restrictions": [
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      ],
      "who_can_open": {
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        "groups": [
          {
            "kind": "age",
            "who": "age 55 and over",
            "level": "product",
            "quote": "MIN_AGE 55",
            "source": "feed: eligibility MIN_AGE"
          },
          {
            "kind": "age",
            "who": "open only to people aged 55 or over; for a joint account at least one holder must be 55 or over",
            "level": "product",
            "quote": "You are eligible if you are aged 55 years or over.",
            "source": "https://www.bankwest.com.au/bank-accounts/over55",
            "citation": {
              "quote": "You are eligible if you are aged 55 years or over.",
              "url": "https://www.bankwest.com.au/bank-accounts/over55#:~:text=You%20are%20eligible%20if%20you,aged%2055%20years%20or%20over.",
              "document_sha256": "9b00134edceae9675adbdaf664f742328593c2ae86cf6969aee5427da3253fe5",
              "confirmed": "2026-11-13"
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        "open only to people aged 55 or over; for a joint account at least one holder must be 55 or over"
      ],
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        "age 55 and over: A bank account exclusively for those aged 55 and over, for joint accounts one customer must meet this age requirement and additional eligibility rules apply. For applications post 15 April 2025, this product cannot be opened by an individual in their capacity as an executor/administrator of a deceased estate.",
        "residency: Customer must have a residential address in Australia (limited exceptions may apply subject to conditions): Australian citizen or Australian permanent resident"
      ],
      "record_stale": false,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b54379a0c72b4129887a85e7b629b3af",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwest/b54379a0c72b4129887a85e7b629b3af.json",
      "snapshot_at": "2026-11-13T01:41:10Z",
      "bank_last_updated": "2026-11-13T01:15:05.000Z",
      "ranked": true,
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      }
    },
    {
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      "product_label": "Easy Transaction Account",
      "product_slug": "easy-transaction-account",
      "page": "/au/finance/savings-accounts/accounts/bankwest/easy-transaction-account/",
      "product_url": "https://www.bankwest.com.au/bank-accounts/no-fee-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankwest.com.au/bank-accounts/no-fee-account",
      "fees_url": "https://www.bankwest.com.au/bank-accounts/no-fee-account",
      "eligibility_url": "https://www.bankwest.com.au/bank-accounts/no-fee-account",
      "account_type": "transaction",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Our Easy Transaction Account is an everyday spending account with no monthly maintenance fee",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
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      "rates_at_reference_balances": {
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        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Platinum Debit Mastercard",
        "digital_wallets": [
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          "Google Pay",
          "Samsung Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": true,
        "bpay": true,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": true,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "You can bank over the phone.",
          "You can open up to 10 Bankwest Easy Transaction accounts to bucket your money",
          "Cheque Access will no longer be available for Easy Transaction Accounts issued on or afte…",
          "Create a goal, set up regular deposits and track your progress in the app.",
          "Backed by Mastercard 24/7 Zero Liability Protection.",
          "You can set up ongoing payments for things like bills or loan repayments."
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "PayTo",
        "BPAY",
        "notifications",
        "wallets: Apple Pay, Google Pay, Samsung Pay",
        "joint accounts"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Cheque Stop Payment"
      ],
      "age_min": 14,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "There is a limit of ten accounts per person, whether as a single or joint account holder: 10",
        "A maximum of two account holders is permitted on the account: 2"
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      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "age_min": 55,
      "age_max": null,
      "restrictions": [
        "age_limited"
      ],
      "conditions": [
        "age 55 and over",
        "open only to people aged 55 or over; for a joint account at least one holder must be 55 or over"
      ],
      "record_stale": false,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b54379a0c72b4129887a85e7b629b3af",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwest/b54379a0c72b4129887a85e7b629b3af.json",
      "bank_last_updated": "2026-11-13T01:15:05.000Z",
      "balance_from": 50000,
      "balance_to": 249999.99,
      "base_rate_pct": 2.05,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 2.05,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "legal_entity_abn": "48123123124",
      "product_id": "b54379a0c72b4129887a85e7b629b3af",
      "product_name": "Retirement Advantage Account",
      "product_label": "Retirement Advantage Account",
      "product_slug": "retirement-advantage-account",
      "page": "/au/finance/savings-accounts/accounts/bankwest/retirement-advantage-account/",
      "product_url": "https://www.bankwest.com.au/bank-accounts/over55",
      "terms_url": "https://www.bankwest.com.au/bank-accounts/over55",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "age_min": 55,
      "age_max": null,
      "restrictions": [
        "age_limited"
      ],
      "conditions": [
        "age 55 and over",
        "open only to people aged 55 or over; for a joint account at least one holder must be 55 or over"
      ],
      "record_stale": false,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b54379a0c72b4129887a85e7b629b3af",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwest/b54379a0c72b4129887a85e7b629b3af.json",
      "bank_last_updated": "2026-11-13T01:15:05.000Z",
      "balance_from": 250000,
      "balance_to": null,
      "base_rate_pct": 2.55,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 2.55,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    }
  ],
  "licence_shared_with": [
    "CBA - CommBiz",
    "CommBank",
    "Unloan"
  ],
  "guarantee": {
    "adi": "Commonwealth Bank of Australia",
    "abn": "48123123124",
    "shares_limit_with": [
      {
        "brand_slug": "commbank",
        "brand_label": "CommBank"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
